You already know that quoting statistics doesn’t sell Long-Term Care Insurance.  That’s because most people don’t see themselves needing LTC services, and using statistics to try to tell them otherwise will do little to convince them. Barraging prospective clients with product benefits and features...

November is Long-Term Care Awareness Month - a time to raise awareness about the importance of LTC Insurance, and how it impacts the financial future of millions of Americans. According to the LIFE Foundation, about 70% of people over the age of 65 will require some sort of Long-Term Care during their...

While it’s a common belief that designing affordable LTC coverage may prove difficult, if not impossible, there are ways to ensure manageable costs. An LTC insurance policy is only as expensive as you make it. Flexibility in plan design and product features enables this coverage to be available to meet...

One challenge with presenting the need for long-term care is that it is viewed as a risk, not a certainty. It’s not that your clients don’t want the coverage, but convincing someone to allocate funds towards something they may never use can be a difficult objection to overcome. Good news – Asset...

When you meet with your clients to fill out a Long Term Care application you are faced with asking tough questions. At times, not all clients feel comfortable telling you which medications they are on or why, or how much they weigh. As an agent, it is your job to be thorough when completing the application...

As baby boomers enter their retirement years, many mistakenly assume government programs will meet their future Long Term Care needs. But both Medicare and Medicaid have limitations and may undergo significant changes in the face of the growing federal deficit. Now is the time to start having conversations...

Learning how to adjust to the changing market is crucial to the continued success of your LTC Insurance business. Today’s market reflects an expanding, diverse clientele, so being able to respond to their unique needs and budget constraints is critical.  The first step is to understand their concerns...

“What’s your plan?” That's the question we encourage agents to ask their clients - because when there isn't one, the consequences can be heartbreaking. The New York Times article referenced below addresses the realities of what can happen when there is not a plan in place - through the tragic...

While educational seminars or direct mail campaigns are good lead generation tools, these campaigns can be costly and usually take time to yield considerable results. So how can you build momentum and grow your Long-Term Care Insurance business without breaking the bank? Follow these 3 simple steps: ...

Finding reasons why your clients need LTCi can be a challenge. You want them to understand the importance and need for the product, and also how it can impact them and their family. Ask these 3 questions to your prospective clients to drive the point home on why having a LTCi policy is so important. 1....